# Mastercard **Canonical:** https://apis.io/providers/mastercard/ **Website:** https://developer.mastercard.com/ **APIs profiled:** 249 Mastercard is a global technology company in the payments industry, providing APIs for payment processing, fraud detection, data analytics, and financial services. ## Kin Score — 45.5 / 100 (developing) Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 45.5). | Facet | Score | |---|---| | Discoverability | 57.4 | | Contract Quality | 63.1 | | Governance | 9.8 | | Contract Governance | 9.8 | | Operational Transparency | 26.3 | | Developer Ergonomics | 45.2 | | Commercial Clarity | 47.4 | | Access Clarity | 47.4 | Regulatory layer — **Banking & Open Finance**: 36.7 (matched via tags). ## Agent readiness — 44.0 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | verified | | MCP Server | no | | Auth Clarity | yes | | Idempotency | no | | Error Semantics | verified | | OpenAPI Examples | partial | | Rate Limit Signal | documented | | Event Surface Described | no | | Agent Skills | no | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## Access Enterprise · Self-serve signup — onboarding: self-serve, pricing: enterprise, trial: no (confidence: high). ## APIs (249) - **Mastercard Universal Specification Submission API** — The Universal Specification Submission API is currently being used by Mastercard Issuers to submit PAN related events for the Account Level Management suite of services: Enhance... - **Mastercard Account to Account Commerce for Creditor Service Providers** — Online checkouts can be frustrating and tedious. As shopping habits shift to digital, consumers and merchants require secure and streamlined online experiences. Mastercard Accou... - **Mastercard Debtor Service Provider Resources API** — Online checkouts can be frustrating and tedious. As shopping habits shift to digital, consumers and merchants require secure and streamlined online experiences. - **Mastercard Automatic Billing Updater API** — Automatic Billing Updater (ABU) is a web service that provides access to updated account credentials (cards). This can be leveraged by Merchant/Acquirers/Payment Service Provide... - **Mastercard Benefit Eligibility Service API** — This API is for third-parties who want to enable eligibility checks based on input criteria including card number. The Eligibility API is a PAN (Primary Account Number) level ve... - **Mastercard Bill Pay API** — The Mastercard Bill Pay Experience Design Guide was created to provide you, our customer, with our best user experience recommendations and cutting edge resources for implementa... - **Mastercard Bill Payment Validator** — This service is provided on behalf of the Mastercard Remote Payment and Presentment (RPPS) Bill Payment Processing Network, which supports consumer to business "push" bill payme... - **Mastercard BIN Lookup API** — The BIN Lookup service provides two distinct APIs, a full or filtered list of available Mastercard BINs and information for a single BIN. Filtering allows you to search for BIN ... - **Mastercard Business Payment Controls** — Business Payment Controls is an application programming interface (API) based solution that simplifies business payments by using configurable controls to limit spending on real... - **Mastercard Carbon Calculator API** — The Carbon Calculator API enables issuers to provide their consumers with visibility into the environmental impact based on their spending. This API allows the issuer to calcula... - **Mastercard Carbon Calculator Experience API** — The Carbon Calculator Experience API enables issuers to provide their cardholders with visibility into their environmental impact and carbon footprint based on their spending ha... - **Mastercard Checkout Solutions** — Developed by Mastercard and built upon EMV_ Secure Remote Commerce standards1, Mastercard Checkout Solutions provides ecommerce solutions which offer guest checkout and card tok... - **Mastercard Unified Checkout Solutions** — Unified Checkout Solutions offer products that cater to a suite of digital commerce use cases to support a more streamlined and secure online checkout experience. - **Mastercard Commercial Event Notifications** — Receive near real-time payment alerts enabling accurate completion and reconciliation of commercial payments. - **Mastercard Community Pass Digital Identity (CPDI) and Acceptance (CPA)** — Digital credentials are at the center of the Community Pass Ecosystem which allows for secure identification of individuals as well as data and payment exchanges across the ecos... - **Mastercard Commerce Pass (CxP)** — Commerce Pass is an offline stored value account (SVA) that enables consumers and MSMEs to store, receive, and spend funds digitally making transactions secure and transparent. ... - **Mastercard Community Pass Payment APIs** — A secure way to validate customer information and notify Community Pass applications on payment status. - **Mastercard Consumer Credit Analytics** — Lenders are increasingly turning to alternative data sources to gain a clearer picture of a consumer's true creditworthiness beyond credit bureau reports. - **Mastercard Enhanced Currency Conversion Calculator** — The Enhanced Currency Conversion Calculator is a subscription-based service that provides access to Mastercard's daily currency conversion rates and historical currency conversi... - **Mastercard Standard Currency Conversion Calculator** — The Mastercard Standard Currency Conversion Calculator enables issuers (for example, financial institutions, fintechs) to access daily cardholder currency conversion rates for c... - **Mastercard Authentication Consent** — The Authentication Consent API enables merchants and Payment Service Providers (PSPs) to submit the details of the cardholder consent for future authentication processes. For ex... - **Mastercard Benefit Allocation Service** — The Benefit Allocation Service (BAS) allows issuers to efficiently manage cardholder value propositions in real-time. It enables the assignment and replacement of benefits, the ... - **Mastercard ID Verification** — In this digital world, user identity fraud is on the rise due to inadequate digital identity verification methods. The ID Networkopens in a new tab model provides users with gre... - **Mastercard In Control for Commercial Payments** — In Control for Commercial Payments (ICCP) streamlines business transactions using configurable spending controls and enhanced data. - **Mastercard Priceless Platform** — Tap into the world of offers, card benefits, Priceless experiences, and enable cardholders to personalize their portfolios to suit their lifestyle needs. - **Mastercard Cloud Commerce** — Enable a cloud-based, secure, and low-cost payment acceptance solution by integrating our API, SDK, deep linking, or by using our white-label application. - **Mastercard Contactless Reader SDK** — Turn any off-the-shelf eligible NFC-enabled device into an acceptance device. - **Mastercard Cross-Border Services** — Cross-Border Services is a global payment service that provides access to faster, transparent payments between Senders and Recipients through multiple channels and payout method... - **Mastercard Direct Services** — Providing seamless access to Mastercard value-added services for all transactions. - **Mastercard Points Activity Service** — The Points Activity Service API provides a real-time update view of a consumers point activity details that are available, on hold, earned, and redeemed at the household, custo... - **Mastercard Loyalty Promotions** — Drive consumer engagement with customizable promotions delivered through your digital touchpoints to the right customers at the right time. - **Mastercard Mastercard Send Funding** — The Mastercard Send Funding service enables a registered Program Participant (such as a Financial Institution or digital player) to secure funds from a consumers sending accoun... - **Mastercard Send Person-to-Person** — The Mastercard Send Person-to-Person (P2P) services enable registered Program Participants (such as banks, issuers, and digital players) to provide P2P payment solutions that en... - **Mastercard Send Disbursements** — The Mastercard Send Disbursements services enable registered Program Participants (such as banks, issuers, and digital players) to provide disbursement solutions that enable bus... - **Mastercard Send Account Information Service** — The Mastercard Send Account Information Service enables Originating Institutions and Transaction Initiators to validate the eligibility of sending/receiving card accounts, and g... - **Mastercard Send Account Verification Service** — The Mastercard Send Account Verification Service (AVS) enables Originating Institutions and Transaction Initiators to perform real-time card account checks with card issuers bef... - **Mastercard Account Validation** — The Mastercard Account Validation API service enables Mastercard customers to check that the supplied name(s) and, optionally, Card Verification Code (CVC or CVV) for an account... - **Mastercard Currency Conversion Calculator for Originating Institution Reconciliation** — The Mastercard Send Currency Conversion Calculator enables Originating Institutions (Acquirers) to instantly access daily currency conversion rates for Mastercard Send cross-bor... - **Mastercard Processing Credit APIs** — The Mastercard Processing Credit API is designed to specifically address the aspects of the card lifecycle related to credit card products. It serves as the supplementary API re... - **Mastercard Processing Core APIs** — Mastercard Processing offers modern, scalable, and configurable card processing solutions to fintech companies and financial institutions. This program supports a wide range of ... - …and 209 more, listed in full on the page. ## Agentic access (1) - **Mastercard Agentic Access** — 106 operations · 76 acting · 1 human-in-the-loop ## Security (2) - **Mastercard Authentication** — apiKey · 1 scheme - **Mastercard Domain Security** — TLSv1.2 · HSTS · DMARC ## Plans (1) - **Mastercard Plans Pricing** ## Use cases (15) - **Issuer card issuance and lifecycle management** - **Merchant payment acceptance and checkout optimization** - **Real-time person-to-person money transfers** - **Business disbursement and payroll payments** - **Cross-border remittance and international payments** - **Fraud detection, reporting, and chargeback prevention** - **Digital identity verification and KYC compliance** - **Open banking account aggregation and data access** - **Loyalty program management and personalized offers** - **Card tokenization and digital wallet provisioning** - **Carbon footprint tracking for consumer transactions** - **Financial inclusion through Community Pass** - **Bill payment validation and processing** - **Commercial virtual card management** - **Dispute resolution and chargeback management** ## Tags Credit Cards, Digital Identity, Financial-Services, Fraud Detection, Open Banking, Payments, Fortune 500 --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/mastercard/). Scores are computed from the provider's own public artifacts under a published rubric.